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The Municipal Workers Compensation Fund (MWCF) was established by the Alabama League of Municipalities in 1976 and is the second oldest League insurance pool in the nation. With nearly 600 participating municipal entities – 80% of the Alabama League’s membership – MWCF is a member-owned, group self-insurance pool that provides a direct means for cities and towns to save on workers compensation costs. Any municipality or separate legal entity created under the powers of the municipality (such as a utility board or housing authority) or any state agency organized under statutory authority of the State of Alabama is eligible for membership.

Cost Containment Programs and Experienced Staff

MWCF members experience substantial benefits from cost containment programs that significantly reduce the expense of medical benefits paid, thus lowering the cost of member premiums. The MWCF staff, which includes in-house legal counsel, has extensive knowledge of workers compensation claims in Alabama. MWCF’s Board of Directors consists solely of five veteran municipal elected officials and is a non-profit government insuring entity.

In 2002, MWCF teamed with the Alabama Municipal Insurance Corporation (AMIC) to create a joint Loss Control Division allowing both programs to provide additional staff and expanded services at a much reduced member expense. The Loss Control Division has 11 dedicated staff members and offers exclusive, state-of-the-art training such as the SkidCar defensive driving course and the Firearms Training System (FATS), a free DVD Safety Library, a quarterly newsletter, informational bulletins, a free Employment Practices Law Hotline, specialized Law Enforcement Risk Control, a comprehensive website (www.losscontrol.org) as well as on-site risk management consultations with follow-up reports and recommendations.

Every municipal official is encouraged to take a leadership role in promoting safety in the workplace. Educating employees to follow proper safety protocols and procedures will result in fewer injuries, thus reducing claims costs.